I'm glad soemone is doing something about this. They methods surely must be illegal. I had been selling good second hand stuff for a few years when PP randomly swooped in on me for no reason whatsoever and "held funds", which btw also include postage costs. I'd sold about 10 items amounting to about £150. Paypal pulled their now famous stunt of sitting on my buyers money until I had sent out and received feedback from them. I was so incensed by this injustice (I had a 100% feedback record), I instead refunded all my buyers their money and told them how Paypal had tried to steal THEIR MONEY and asked that if they still wanted their item, they could send the money another way, which, under the circumstances they obliged and paid me by Google checkout - they must have trusted me more than pp! Issuing a refund is still permitted in this situation, and its one way to stop Paypal keeping our cash. Why should we send out our items whilst Pp with-hold what is initally the buyers money and eventually the sellers money in the end. Shortly after that I transferred some cash into my partners account, about £70. They froze the transaction "due to suspicious activity", refused to tell me what I had supposedly done, and still to this day I have not been able to retrieve my funds as they virtually disappeared in transit, no doubt into the bottomless pit of their own stolen stash of other people's cash. I think they make it near on impossible to get any sense out of their phone operators, who seemed to revel in sending me round in circles. I discovered after that they store isp addresses and detect if more than one account is being used on the same computer. Another nonsense, if only one computer in household of say 6, how many "suspicious activity" accusations are they dishing out in one day? I'm surprised they have got away with their underhand practices for so long, and I'm surprised ebay haven't cleaned it up either, as they must have lost sellers hand over fist. I'd be overjoyed to join any force against Paypal.

hello - first timer here I had a merged debt of overdraft and credit card which I couldn't pay off after my work as a freelancer dried up due to personal reasons. This goes back about 4-5 years. Eventually, after I missed some payments I defaulted and they passed it onto a credit agency. I now pay a minimal sum, as my finances have not increased. They leave me alone with that, but obviously my credit file is damaged. I also had other credit card defaults, which I think are still on there, but I did settle them, although in part as agreed. I'm thinking of starting my own business again, and obviously my credit file is a mess. How can I go about cleaning up my mess, or removing defaults and am I dreaming starting up again? Also is there any way of reducing the outstanding debt which is about £9,000 to date? I couldn't get a business bank account last time I tried. I did mess up once, but I do feel like a leper because of it, and shamed.